The decisions and actions you make today can lead to incredible long-term benefits, so it's great that you're starting now.A good starting point is connecting with a lender that aligns with your goals.

I didn't do anything wrong to try and get $27,000 owed to me by the stupid eviction moratorium and now will have to choice but to pursue small claims court.1) I applied to San Diego Covid Rental Assistance on behalf on my tenant (appeal by tenant got rejected; not sure what the tenant did or did not do since I can't control her actions and this program only she can appeal and try to get aid, I can only start the process and try and get her to cooperate)2) I also applied to San Diego Small Landlord Rental Assistance on my own (got rejected because I no longer reside in San Diego)Both got rejected.

There are not traditional DSCR lenders that would do that.

What is your current SFH worth, and what LTV is the lender quoting you?

Today was the final straw for me as I have come to realize you can not get a transaction report that shows a breakdown of deposits so I can show proof of rents received to my lenders.

That is a true portfolio loan with a commercial loan and through a commercial lender or bank that provides portfolio lending.

Credit is a factor as bad credit may limit options, or may have the lender require you to put 10 or 20 years of taxes and insurance into escrow. 

Definitely something to pencil out with a lender or broker.

If you do decide to start flipping homes- as a new investor you can either self finance with all cash, or you can contact a commercial lender like myself and expect terms to be 75-80% of the purchase price with 100% of the rehab financed through a draw.

I would have a lender as part of your team to strategize.